First Horizon Bank

Does First Horizon Bank have Zelle? Yes, for personal accounts. First Horizon Bank customers enroll in Zelle through their personal Digital Banking profile or the First Horizon app; Zelle is not available in Small Business Digital Banking. Outgoing wires cost $30 within the U.S. and $55 abroad, and every incoming wire costs $15. TotalView Checking refunds up to $30 of wire fees per statement cycle.

At a glance

• ZelleYes, for personal accounts in Digital Banking and the app; not for Small Business Digital Banking
• Domestic wire out$30
• Incoming wire$15, domestic or international
• International wire out$55
• Wire fee refundup to $30 per statement cycle with TotalView Checking

Sources: Account and Service Fees · Zelle FAQs · Checked on October 2, 2026

Zelle at First Horizon

You enroll from your personal Digital Banking profile: select Send Money with Zelle on the dashboard, choose Get Started and accept the Zelle terms of service. In the First Horizon app, Zelle sits under Send Money. Payments to a recipient already enrolled with Zelle typically arrive within minutes. Payment requests to someone not yet enrolled must go to an email address. Zelle is only for personal accounts and personal Digital Banking profiles.

Sources: Zelle FAQs · Send money with Zelle · Digital and Mobile User Guide · Checked on October 2, 2026

Wire transfers at First Horizon

TotalView Checking refunds wire fees up to $30 per statement cycle. The printable TotalView fee guide linked from the same page still shows the earlier $25 outgoing fee and $25 refund.

Source: Account and Service Fees · Checked on October 2, 2026

If a transfer is late or went wrong

A Zelle payment stuck in pending is covered in Zelle payment pending; to stop one, see cancel a Zelle payment, and after fraud, Zelle scam refund. For wires, read how long do wire transfers take and wire transfer not received; for bank-to-bank transfers, ACH transfer pending. Contact First Horizon through the number on your card or in the app.

About First Horizon Bank

First Horizon Bank has its main office in Memphis, Tennessee (FDIC certificate 4977).

Source: FDIC BankFind, certificate 4977 · Checked on October 2, 2026

Fees and limits can differ by account type; your account agreement is the final word.